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Not possible to live a luxurious life
takes a lot of time to buy anything on their own income
will have to take loans even for anything extra

People have to reduce the expenditure.
They have to sacrifice their needs and cant give proper education to their children.
They have to take loans and if they do not pay they have to suffer from debt.
They cant take proper nutrition.
They dont have proper sanitation.
If they suffer from any kind of disease they cant do the treatment due to their average income.